Managing Your Existing Home Loan

Your home loan is one of your biggest financial
commitments. Let us help you manage it better.

Get Started

Understanding Your Loan Repayments

Monthly Repayments

go towards paying down the principal and interest. They are payable from your loan servicing account on:

  • 1stof every month for
    private properties

  • 15thof every month for
    HDB flats

If the due date falls on a Sunday or gazetted public holiday, the instalment debiting will be made on the next working day.

Using your CPF for Loan Repayments
Revise your monthly repayment amount by applying at CPF website with your SingPass.

  • Private Property
    By 20th of the month for deduction in the following month.
  • HDB
    7 working days prior to the deduction on 10th - 13th of the month.

Changing your Loan Servicing Account
Complete the Loan Servicing Account Authorisation form and mail it to us.

Partial Repayment

is an ad-hoc repayment to reduce the principal outstanding balance of your loan by giving us one month's notice in advance. You can use cash or CPF, if you have the approval of the CPF Board. Prepayment charges and/or clawback of fees will apply if the partial repayment is made within the commitment period.

  • For all home loans
    Minimum partial repayment amount of S$10,000 and in increments of S$1,000.

To make a partial repayment, submit your request online.

Reviewing Your Home Loan

From time to time, it pays to relook at your home loan. Start your review by following the steps below.

Step 1:

Download and complete the request form depending on your property type.
Owner Occupied (Housing loan only)
Investment/Owner Occupied with Cash Out

Step 2:

Email the completed form with the relevant supporting documents to

Redeem Your Loan

Selling your property or paying off your mortgage? Here's a guide to help you redeem your home loan.

  • Selling your property

    We hope you had a good experience with DBS Home Advice. Please appoint a law firm to handle the sale, and to serve the bank 3 months' notice to redeem your loan.

  • Paying off your mortgage

    Have you considered harnessing the potential of your liquidity for maximum returns? Instead of paying off your mortgage, you may want to invest your funds in other DBS products that could earn you higher returns. Leave your contact details here and our Relationship Manager will get in touch with you soon.

    Nevertheless, if you would like to proceed to pay off your loan, follow these steps:

    Step 1:
    Complete and submit this form 3 months before the intended redemption.

    Step 2:
    Appoint a law firm to discharge this mortgage. The title deed will be returned to you.

  • Shifting to another bank

    Get in touch with us here for an in-depth analysis of your mortgage and we'll propose what's best for you.

Rates & Fees

  • View latest SIBOR Rates

  • Fixed Deposit Home Rate (FHR)
    The Fixed Deposit Home Rate is calculated based on the prevailing fixed deposit interest rate of DBS Bank for amounts as stated in the Letter Of Offer. The prevailing S$ fixed deposit rates can be found here.

  • Home Loan Fee Schedule

    Item Fee
    Change in loan tenure


    Safekeeping of title deed for facility that has been fully repaid

    $300 per year

    Request for Statements (per statement)
    • Current year
    • Previous 2 years
    • More than 3 years


    Administrative fee for use of third-party insurer for property insurance

    $100 per year

Some Handy Tips and Tools

Home Loan Repayment

Figure out your monthly instalment and repayment schedule.


Home Connect App

View past transacted prices instantly.

Learn more

Talk to our Home Advice


Contact me

Call us at

6333 0033

Monday to Friday9am to 5pm

Saturday 9am to 12.30pm